Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Ordinary revenue increased due to higher fund-related income, including interest on loans and interest and dividends on securities, as well as higher gains on sales of shares, while personnel expenses resulting from wage increases, deposit interest expenses and credit-related costs increased.
No applicable matters.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥53,147 million (ordinary income) (YoY +9.6%) |
| Ordinary income | ¥20,989 million (YoY +10.7%) |
| Profit attributable to owners of the parent | ¥15,055 million (YoY +12.7%) |
| Net income per share | ¥238.88 |
| Equity ratio | End of the current fiscal period 11.7 / End of previous period 9.6 |
| Total assets | ¥1,701,560 million |
| Net assets | ¥198,570 million |
| Cash flows from operating activities | ¥17,740 million |
| Cash flows from investing activities | ¥-13,414 million |
| Cash flows from financing activities | ¥-3,971 million |
| Cash and cash equivalents at end of period | ¥80,220 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥18,000 million (YoY -14.2%) / Net income ¥13,000 million (YoY -13.7%) |
| Annual Dividend Forecast | ¥84 → ¥75（-10.7%） |
| Payout ratio | 35.2 |
| Shareholder Return Policy | Payout ratio of at least 35%; share repurchases of up to ¥5.5 billion |
| Segment revenue | Banking ¥45,410 million (ordinary income from external customers) (YoY +8.3%) / Leasing ¥6,049 million (ordinary income from external customers) (YoY +6.4%) |
| Segment profit | Banking ¥20,355 million (segment profit) (YoY +5.8%) / Leasing ¥110 million (segment profit) (YoY -82.8%) |
| Depreciation and amortization | ¥1,128 million |
| Impairment loss | No applicable matters. |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥1 million / Extraordinary loss Losses on disposal of fixed assets ¥0 million |
| Disclosure regarding the going concern assumption | No applicable matters. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | The company resolved to acquire up to 2,000,000 shares of treasury stock for a total acquisition cost of up to ¥5,500,000,000 from 13 May to 29 May 2026, and to cancel 1,309,700 shares of treasury stock effective 29 May 2026. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Held (for institutional investors, securities analysts and individual investors) |
| Issued Shares at Period-End | 64,309,700 |
| Treasury Shares at Period-End | 1,459,005 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher fund-related income, including interest on loans and interest and dividends on securities, as well as higher gains on sales of shares, while personnel expenses resulting from wage increases, deposit interest expenses and credit-related costs increased. |
Items this document does not state (5)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Ordinary revenue increased due to higher fund-related income, including interest on loans and interest and dividends on securities, as well as higher gains on sales of shares. Ordinary expenses increased due to higher personnel expenses resulting from wage increases, deposit interest expenses and credit-related costs. For the next fiscal year, the company expects higher expenses for investments in human capital, preparations to update its core banking system and the use of generative AI, as well as higher expenses resulting from inflation and additional credit costs.